Business Insurance

Hippo users who compared multiple insurance quotes, including Car Insurance, saved an average of R1,208 per month

Compare 6 of SA's top Business Insurers

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All our Business Insurance partners are licensed insurers and FSP's, vetted to meet our internal compliance and quality standards.

How to compare Business Insurance quotes

Hippo simplifies the process by letting you compare business cover options side by side, so you can find one that works best for you.

Get started

Head to the top of this page to get started with your quote.

Answer a few questions

Fill in a few details about your business and the type of cover you’re looking for.

Get your quotes

Compare plans from 6 insurers. No need to enquire separately.

Pick your plan

Choose an insurer, then a representative will get in touch to finalise your cover.

Real reviews and real savings

South Africans think we’re lekker. But don’t just take our word for it. See what they have to say:

I was looking for insurance quotes andhippo managed to show me the most affordable options available for me. It really helped me to make an informed decision about my car insurance.

Anonymous

Service provided is useful. Getting multiple quotes quickly and easily in one place is very convenient. When capturing my age I had to scroll for longer than needed to get all the way back to 1978. Consider changing this to an input field where you can just type in the date.

Anonymous

Good overall but would have liked more quotes that included major vehicle insurers like Outsurance, Momentum and Santam. Also, a way to save or download the quotes for quick access.

Anonymous

Independent Service rating based on 20 704 service ratings.

Dunno if your business is properly covered?

Why your business needs insurance

Protect your company against financial losses and operational disruptions.

Protection from theft & disaster

Get covered for fire, theft, natural disasters and storm damage.

Specialised cover for stock & assets

Protect your business premises, equipment, stock and vehicles.

Ensure financial & legal protection

Protection from liability claims, legal costs and business interruption.

Premiums and policy requirements depend on your industry, business size and the specific risks you face.

What does Business Insurance include?

Business Insurance is not a single policy. It is a combination of cover types tailored to your specific industry, assets and risk exposure.

Car & Commercial Property Insurance

Car and Commercial Property Insurance covers the property, its contents and physical structure. It also includes Business Vehicle Cover for company fleets and vehicles used for business use.

Business Legal Cover

Employers’ Liability Insurance covers a business owner against injury, illness or death caused to an employee during their work. This could cover compensation costs and legal fees.

Professional Liability Cover

Protects you against claims of negligence, errors or omissions in the advice or services you provide, covering legal costs and any damages or settlements you may be ordered to pay.

Public Liability Cover

Covers your business against third-party claims for injury or property damage caused by your operations, including legal fees, medical costs and compensation payouts if your business is liable.

Event Liability Cover

Covers organisers, sponsors and venue owners against third-party injury, property damage and product liability arising from an event, with optional extensions available depending on the event.

Employee Benefits

Employee Benefits helps businesses provide staff with Medical Aid, Group Risk Cover for death, disability and illness, and retirement fund solutions, connecting you with a qualified consultant to find the right fit.

Dunno if your business is properly covered?

E-hailing Vehicle Insurance

Vehicles used commercially, to provide a lift or delivery service, won’t be covered by personal Car Insurance or Motorbike Insurance.

E-hailing drivers

For Uber, Bolt and similar-app drivers. Business Vehicle Insurance covers ride-hailing work, passenger liability and third-party claims, ensuring your cover is valid every time you accept a trip on the app.

Delivery bikes

For Uber Eats, Mr Delivery and similar-app riders. Business Vehicle Insurance covers your bike for commercial use, protecting you against accident, theft and third-party liability while you're out on a delivery.

Business Vehicle Insurance

The moment a vehicle is used to earn an income or operate a business, different cover applies.

Coverage comparison

Using a vehicle for business purposes changes your insurance needs entirely. Here's how Personal and Business Car Insurance compare:

Coverage	Personal Car Insurance	Business Vehicle Insurance
Private use
Business use
E-hailing services
Covers multiple vehicles
Passenger liability coverage
Covers goods or equipment in transit
Third-party liability coverage
Claims during commercial use
Roadside assistance add-on
Car hire add-on
Business all-risk add on

Business Insurance in South Africa

Business Insurance cover is very specific to the business itself. This includes the business type, its industry and the operational risks it faces.

Freelancers & Contractors

When you work for yourself, there's no employer absorbing the risk. Business Insurance protects your equipment, income and liability so that one claim or unexpected event doesn't put you out of business.

Small businesses

A single unexpected event, fire, theft or liability claim, can force a small business to close. Business Insurance protects your assets, income and operations to ensure your small business can recover.

Professionals

Accountants, architects, consultants and other professionals face the risk of negligence claims from clients. Professional Liability Insurance and Business Legal Cover protect your practice, your reputation and your income if a dispute arises.

Corporations

Larger businesses carry greater exposure across multiple locations, vehicle fleets and employee headcount. Business Insurance can be structured to cover Commercial Property, Public Liability, Group Risk and Employee Benefits across the full operation.

Franchises

Franchises must protect both the individual outlet and the broader brand. Business Insurance covers premises, stock, vehicles and liability, helping franchisees meet the insurance requirements often set by the franchisor as a condition of operation.

Expert tips, tools and guides

Everything you need to know when choosing the right cover for your business.

Business Vehicle Insurance

Business Vehicle Insurance covers company cars, fleets and e-hailing vehicles against accidental damage, theft and third-party liability. The vehicle's business use must be declared upfront for cover and claims to be valid.

Credit Risk Insurance

Credit risk insurance protects your business against financial loss when debtors fail to pay. It can cover both local and international trade receivables, helpful if your business sells goods or services on credit terms.

Key Person Business Insurance

Key person insurance pays out if a critical member of your business, such as the owner, founder or CEO, is unable to work due to death, disability or illness, giving the business financial stability while it recovers.

Product Liability Insurance

Product liability insurance covers your business against financial claims arising from damage, injury or death caused by products you sell or supply, including the cost of medical and legal fees if a claim is made against you.

Professional Indemnity Cover

Professional indemnity insurance covers businesses that provide professional services/advice against claims of negligence or error, including legal fees and damages. For some, this form of cover is a legal requirement.

Cyber Extortion Cover

Cyber extortion cover protects your business if criminals demand payment to prevent a data breach or system attack. This type of cover may form part of a broader liability policy. See if your existing policy includes it.

Hippo mascot with arms crossed confidently

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Business Insurance FAQs

What does Business Insurance cover?

Business Insurance can cover your business against a wide range of risks including property damage, theft, fire, storm damage, liability claims, business interruption, and cyber extortion. The specific cover you need depends on your industry, business size and the assets you rely on.

Difference between Business Insurance and Commercial Insurance?

They refer to the same thing. Business Insurance is the commonly used term in South Africa, while commercial insurance is the broader international term. Both describe policies designed to protect a business against financial losses from property damage, liability claims and operational disruptions.

What types of businesses need Business Insurance?

Most South African businesses benefit from some form of cover, from sole traders and small businesses to large companies. Motor traders insurance suits businesses that deal in vehicles, including stock vehicles and vehicles in transit. Commercial vehicle insurance covers company vehicles used day-to-day. Professionals such as accountants, consultants and lawyers typically need Professional Liability Insurance. Whatever your sector, Hippo can help you access the right cover for your business.

Does my business need Commercial Vehicle Cover?

Any business that relies on company vehicles should have Commercial Vehicle Cover. How a vehicle is used, whether for personal or business purposes, must be declared upfront as this determines the type of cover that applies. Using a vehicle for business without declaring it as such can result in a claim being rejected. Car Insurance taken out for personal use does not automatically extend to business use, which is why businesses need to ensure they have the right cover in place from the start.

How much does Business Insurance cost?

Business Insurance quotes vary depending on your industry, your premises, the equipment and vehicles you use, the number of employees you have and the cover options you select. The best way to find an affordable premium is to compare multiple quotes and request a tailored recommendation from our insurer partners.

Why should I use Hippo.co.za for my Business Insurance?

Hippo lets you compare tailored quotes from leading South African insurers in one place. Our insurer partners are all registered FSPs and our comparison service carries no additional fee. We earn commission from insurers only when you take up a policy.

Compare more than just Business Insurance

With Hippo we make it easy to find great deals across multiple products.

Funeral Cover

Covers the immediate costs associated with a funeral. Premiums are influenced by your age, number of policy members and amount of cover.

Personal Loans

Compare rates across multiple lenders to find a fair deal. Rates vary based on your credit profile and chosen loan term, so comparison matters.

Medical Aid

Gives you access to private healthcare. Compare plans, benefits and costs to find the right fit without paying for cover you don't need.

Car Insurance

Covers your vehicle against damage, theft and third-party claims. Premiums vary by driving history, usage, vehicle model and where you park overnight.

Medical Gap Cover

Covers the difference (shortfall) between what your Medical Aid pays and what a specialist charges. Gap Cover is not a substitute for Medical Aid.

Medical Insurance

More flexible and affordable than Medical Aid, Medical Insurance covers day-to-day health needs or specific procedures. This product is not a substitute for Medical Aid.

Protects your business’ property, assets and third-party liability. The right cover depends on the nature, size and risk profile of your operations.

Life Insurance

Provides financial security for your dependants. Ensure your home loan, rental costs, debt and children’s tuition are taken care of when you pass.

Home Contents Insurance

Covers your home's contents against damage, theft and loss. Compare quotes to find the most competitive rate.

Building Insurance

Covers the physical structure of your property against damage. Compare quotes to make sure you're not overpaying.

Motorbike Insurance

Covers your motorcycle against damage, theft and third-party claims. Premiums vary based on your personal profile.

Pet Insurance

Vet bills can add up quickly, especially when unexpected. Compare quotes to find a policy that fits your fur baby’s needs (and your monthly budget).

Travel Insurance

Protects you against unexpected medical and/or flight-related costs when travelling locally or abroad. Premiums vary based on the type of cover you opt for.

Home Fibre

Fibre prices and speeds vary significantly by area and provider. Find the fastest, most affordable package without contacting each provider separately.

Scratch and dent cover

Covers minor cosmetic damage to your vehicle without affecting your Car Insurance claims record. Compare plans to keep your car looking good without paying out of pocket.

Tyre and Rim cover

Covers the cost of repairing or replacing damaged tyres and rims. Compare plans to find affordable cover that protects you against one of South African motoring's most common expenses.

Motor Warranty

Protects you against unexpected mechanical and electrical repair costs after your manufacturer warranty expires. Compare plans to find the right level of cover for your vehicle.

Service Plans

Covers the cost of scheduled vehicle maintenance, including parts and labour. Compare service plans alongside your Car Insurance for a complete picture of your motoring costs.

Vehicle Tracking

Helps protect your vehicles by assisting with recovery in the event of theft. Many providers also use Vehicle Tracking to flag when your vehicle is in an unfamiliar area.

Hippo Comparative Services (Pty) Ltd is an authorised financial service provider.

FSP number: 16357. Block A, Steyn City Capital Park, Erling Road, Riverglen, Dainfern, 2191

*Based on independent research by Kaufman Levin & Associates 2025.

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